Physician Group at Neo Home Loans

“Impossible” Physician & Medical-Professional Home Loans
When banks say NO… NEO says yes!

Get Pre-Approved in Minutes: https://www.medicalprofessionalhomeloans.com/wcihomeloans/

Who We Specialize In

  • Newly 1099 doctors, dentists, PAs, NPs, CRNAs, therapists, vets
  • Clinicians who just bought into or started a private practice (no K-1 history)
  • Self-employed professionals with multiple / irregular income streams (locums, tele-med, consulting)
  • High student-loan balances, credit blemishes, or limited reserves
  • Unique property purchases—non-warrantable condo, acreage, mixed-use, etc.

(If another lender has already said “no,” you’re in exactly the right place.)

Who Should Use a Conventional Lender Instead

  • W-2 physicians with stable paystubs, ≥20 % down, 780+ FICO
  • Buyers of plain-vanilla tract homes needing zero creative structuring
  • Shoppers already fully approved elsewhere who only want to shave ⅛ percent off the rate

Loan Officers

Josh Mettle (NMLS #219996)

STATES:  AZ, CA, CO, FL, GA, PA, TX, UT, WA
EMAIL:  [email protected]
PHONE:  855-260-9932

Terms

  • Up to 100 % financing on physician loans to $1 M
  • 0–5 % down jumbos, no PMI
  • Credit scores down to 580 on select programs
  • Gift funds and business assets allowed for down payment

Professions

MD, DO, DDS, DMD, Resident, Fellows, PA, NP, DVM, RN, CRNA, DPM

Strengths

Why NEO Says “YES”

Your Hurdle Our Solution
Less than 12 months of 1099 income Future-contract & projected-income underwriting
Complex K-1s & write-offs Cash-flow analysis that looks forward
High student-loan debt Special DTI treatment & PSLF alignment
Time-sensitive purchase Closings in as little as 14 days
Credit blemishes Fico scores down to 580

 

“After two big banks declined us for lack of 1099 history, NEO approved our $1.4 M jumbo and closed in 16 days.”
— Dr. Lance ⭐⭐⭐⭐⭐

 

Your 3-Step Plan

  1. Schedule a 15-Minute Strategy Call
  2. Upload Your Story (contract, practice paperwork, locums schedule)
  3. Close With Confidence—and move in on your timeline

Start Now: https://www.medicalprofessionalhomeloans.com/wcihomeloans/

Stop Letting “No” Define Your Home-Buying Journey

Join thousands of White Coat Investor readers who turned complex finances into confident home ownership with NEO.